Stripe Capital
Stripe Capital: A Stripe Connect financing layer with automated underwriting and revenue-based repayment. Ranked #1 of 33 in Embedded Lending Platforms by our editors (9.2/10); pricing: Pricing on request; best for stripe Connect platforms embedding merchant capital.
At a glance
- Editor score9.2 / 10
- PricingPricing on request
- Best forStripe Connect platforms embedding merchant capital
- Free planNo
- API accessYes
- Facts checked28 Sep 2026
Where it wins
- Hosted, embedded-component and API integrations for Stripe Connect platforms
- Automated eligibility, underwriting and disbursal for connected accounts
- Revenue-based repayments plus merchant cash advances and loans
Where it doesn't
- Designed specifically for platforms using Stripe Connect
- Offers depend on eligibility approval and country availability
- Access follows a contact-sales pricing model
Our verdict on Stripe Capital
Stripe Capital enables platforms using Stripe Connect to offer financing to their business customers. Its hosted, embedded-component and API integration options support web and API deployments, while Stripe and its financial partners manage eligibility reviews, underwriting, funding, servicing and automatic repayments. Documented offer types include merchant cash advances and loans, with repayment based on a percentage of sales. Financing is available to eligible connected accounts, and approval and country availability affect which offers can be presented.
Access follows a contact-sales pricing model. The product supports merchant cash advances and term loans, with documentation also distinguishing flex loans, fixed-term loans and lines of credit. Platforms can earn a revenue share on loans and advances, while Stripe states that platforms do not bear credit-loss liability. Funding disbursal is designed for connected accounts, with a stated funding speed of 1–3 days. This structure suits platforms seeking to add capital products without managing underwriting, servicing or repayment operations themselves.
Stripe Capital’s ecosystem fit is strongest for businesses already built around Stripe Connect: that is its listed integration and the basis for its connected-account workflow. Stripe handles financing servicing and customer support with partners, and email is a documented support channel. The model can serve small, mid-market and enterprise platforms, but it is not a general-purpose lending layer for platforms outside Stripe Connect. Choose it when embedded capital, automated revenue-share repayment and platform revenue share align with your marketplace or software model; consider another provider if multi-processor coverage or a different integration ecosystem is required.
Stripe Capital pricing
Stripe Capital fact sheet
| Free plan | No |
|---|---|
| Paid from | Not verified |
| Offer types | Not verified |
| API access | Yes |
| Underwriting method | Platform sales |
| Funding speed | 1-3 days |
| Maximum funding | Not verified |
| Repayment basis | Revenue share |
| Deployment | Cloud |
| Platforms | Web |
| Support | |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 1 integrations: Stripe Connect |
| Pricing | Pricing on request |
| Website | stripe.com |
| Facts checked | 28 Sep 2026 |
Stripe Capital integrations
Stripe Capital lists 1 integrations on its own site.
- Stripe Connect
Alternatives to Stripe Capital
- PayPal Working CapitalFast, PayPal-linked working capital for small businesses that repay from sales.8.8
- Cashfree Embedded LendingConfigurable embedded lending journeys with APIs, UI components, and loan operations.8.7
- RailA white-label lending stack covering offers, underwriting, servicing and compliance.7.9
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Stripe Capital vs the competition
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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